Deposits held and insured by Coastal Community Bank

Overview / Commentary
P.O. Box 162227
Sacramento, CA 95816-2227
Deposits held and insured by Coastal Community Bank

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Reviews (3)

Very Happy So Far

Posted by: |

Great online bank based on my experience (~18 months). Their app is user-friendly, and simple to use (maybe too simple?).

I logged into my account today and realized their savings rate is now 5.00% APY (unfortunately on savings balances up to $100,000 only). I will be moving $$$ into my savings account.

Awesome Bank

Posted by: |

Very responsive team with a great deal of improvements being rolled out.

Customer service is fast and efficient.

Almost instant virtual cards.

Can't find anything bad to say really , really fantastic budgeting options.

Too Restricting

You only can deposit money at Wal-Mart. When you ask for help via chat, they repeat scripted lines. Even when you are very clear and direct with what you are asking, you have to say it multiple times. At this time you are unable to add beneficiaries. They restrict your account if you make to transfer mistakes. Some of the external accounts that you link have the completely wrong name. If it is not the original account that funded your bank account they will always ask for bank statements after verifying the accounts. If you moved to a new fintech, neo bank, credit union, or bank you have to wait one or two months to get that statement and go through the external account verification process all over again. Currently your savings account at 5.0% doesn't cover overdrafts automatically to the checking account.. You have to have direct deposit with them to get most of the features. The app online is too simple that it's confusing. Its takes a while just to figure out how to log out as one example. They need to have a fees and account limits page. I had to call in to find out that info and I don't believe I received the correct information. There are better places to keep your money. This one needs to grow a little.


Data as of Q1 2024

Data displayed below is for insuring bank: Coastal Community Bank
Learn why bank health matters

Health Grade Components

FDIC Certificate #34403
Year Established1997
Primary RegulatorFED
Profit Margin
Return on Assets - YTD0.78%
Return on Equity - YTD8.83%
Annual Interest Income$90.5MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$3.86B$3.45B
LoansQ1 2024vs Q1 2023$3.06B$2.78B
DepositsQ1 2024vs Q1 2023$3.47B$3.1B
Equity CapitalQ1 2024vs Q1 2023$342.4MM$295.7MM
Loan Loss AllowanceQ1 2024vs Q1 2023$139.3MM$89.1MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$54.9MM$31.5MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

One Checking Account Rates

5.00%*$0$250kOne Mobile Banking - Pay Autosave Pocket
OTHER TIERS: 1.00% $250k+
5.00%*$5k*$250kOne Mobile Banking - Savings Pockets
OTHER TIERS: 1.00% $0+

One is an Internet only bank and does not have branch locations. Its headquarters is located at P.O. Box 162227 - Sacramento, CA 95816-2227

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